The Capital One Quicksilver Money Rewards Credit score Card means that you can preserve issues easy and watch your rewards develop over time with an infinite 1.5% rewards price you can convert to money again. Nevertheless, you will get higher incomes charges with another cash-back playing cards. Card Ranking*: ⭐⭐⭐½

*Card Ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The Capital One Quicksilver Money Rewards Credit score Card might barely outpace the perks of different money again playing cards with its respectable sign-up bonus and no annual payment (see charges and costs), however it additionally requires a good credit standing from its candidates of 690 or larger and has a number of drawbacks value contemplating.

Quicksilver’s easy incomes construction could also be interesting — together with its distinction as one of many greatest 0% curiosity playing cards in the marketplace — however what makes it much more so is the power to switch your rewards to Capital One’s switch companions if you happen to additionally maintain a card that earns Capital One miles.

Let’s dive into the cardboard particulars.

New Quicksilver cardholders obtain a $200 money bonus after spending $500 on purchases inside the first three months of account opening. That is the greatest provide we have seen on this card.

This can be a typical welcome provide for cash-back playing cards with no annual payment, and it has the benefit of a low spending requirement that most individuals ought to have the ability to meet with out an excessive amount of effort. However in comparison with the greatest journey bank cards, which may provide sign-up bonuses value 1000’s of {dollars}, this $200 is just a few additional money in your pocket.

Associated: 13 playing cards at the moment providing sign-up bonuses of 100,000 factors or extra

The Quicksilver is not the cardboard to get if you’d like perks akin to lounge entry or journey credit, which are sometimes included with premium bank cards.

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Nevertheless, the Quicksilver does embrace some advantages, akin to charging no overseas transaction charges (see charges and costs). This can be a perk that, whereas now practically common on bank cards with annual charges, is rarer for no-annual-fee playing cards.

Different advantages embrace:

This can be a respectable record of advantages for a no-annual-fee card.

The Quicksilver earns a flat 1.5% on all purchases, with no bonus classes.

Incomes the identical quantity on all purchases is okay if you do not have one high-spending class. Nevertheless, if you happen to make many month-to-month purchases in a single specific class — akin to eating or groceries — you will possible wish to contemplate a card that earns a bonus in that class.

Associated: The most effective bank cards for every bonus class

You may redeem your rewards on the Quicksilver as an announcement credit score, examine or reward card. There isn’t any minimal redemption quantity — simply sign up to your account through the app or your pc and easily choose your desire.

TPG bank card author Emily Thompson appreciates the flexibility of cash-back rewards. Though they are often much less priceless than her favourite transferable rewards, she makes use of cash-back to cowl issues that factors and miles do not, like airport snacks and actions.

Nevertheless, you are not restricted to those redemption choices when you have the appropriate card pairing. For those who additionally maintain a card that earns Capital One miles, such because the Capital One Enterprise Rewards Credit score Card, you may convert your cash-back to journey rewards at a price of 1 Capital One mile per 1 cent of cash-back and switch your them to any of Capital One’s 15-plus resort and airline companions.

Associated: The final word information to bank card pairings

For added choices, try our full record of the very best cash-back and no-annual-fee bank cards.

Associated: How to decide on a cash-back bank card

The Quicksilver is an effective match for individuals who use one card for all the things as a result of it has a easy, flat 1.5% money again incomes price. For those who do not spend a lot of your finances in typical bonus spending classes or want to not juggle playing cards while you’re out and about, the cardboard is value it. Nevertheless, those that wish to earn extra in bonus classes will possible wish to go together with a distinct card.

The Quicksilver affords an honest money again incomes price together with a strong sign-up bonus and respectable advantages for a no-annual-fee card. Nevertheless, different money again playing cards provide extra beneficiant earnings, so it will not be the very best match to your spending habits.

For Capital One merchandise listed on this web page, among the above advantages are supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.

Apply right here: Quicksilver Money Rewards